| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | KAISER FOUNDATION HEALTH PLAN INC | $33K | $0 | $33K | 4.60% |
| LIS INSURANCE SOLUTIONS3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | HEALTH NET | $31K | $0 | $31K | 4.92% |
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | DELTA DENTAL OF CALIFORNIA | $6K | $0 | $6K | 5.00% |
| CAMERON J BELL3 Filed as: CAMERON J. BELL | 2390 CRENSHAW BOULEVARD SUITE 307 TORRANCE, CA 90501 | AFLAC | $7K | $137 | $7K | 12.45% |
| LAURENCE H. TAYLOR3 Filed as: LAURENCE H. TAYLOR AND OTHER AGENTS | 1892 LAKE SHORE AVENUE LOS ANGELES, CA 90026 | AFLAC | $2K | $15 | $2K | 3.28% |
| HANS ERIC ANDERSON3 | 6808 SAINT ESTABAN STREET TUJUNGA, CA 91042 | AFLAC | $2K | $0 | $2K | 3.15% |
| STEVE CRAIG GOLDSTEIN3 | 6255 VENTURA CANYON AVENUE VAN NUYS, CA 91401 | AFLAC | $827 | $92 | $919 | 1.69% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PARKWAY APARTMENT 4101 FRISCO, TX 75033 | AFLAC | $812 | $23 | $835 | 1.54% |
| MARSHALL CHARLES MCDONALD3 | 17031 SUMMERS WALK BOULEVARD DAVIDSON, NC 28036 | AFLAC | $369 | $0 | $369 | 0.68% |
| CONNIE H. SALAZAR3 | 4952 SOUTH CALDERON MESA, AZ 85212 | AFLAC | $267 | $0 | $267 | 0.49% |
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| LIS INSURANCE SOLUTIONS3 | UNKNOWN SAN PEDRO, CA 90731 | GERBER | $1K | $0 | $1K | 7.50% |
| HANS ERIC ANDERSON3 Filed as: HANS ANDERSON | 320 HOLSTEAD, SUITE 170 PASADENA, CA 91107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 3.43% |
| KHACHATOUR MANOUKIAN3 | 928 NORTH VERDUGO ROAD GLENDALE, CA 91206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 1.05% |
| MARSHALL MCDONALD3 | 415 DAVIDSON GATEWAY DRIVE APARTMENT 7 DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.76% |
| STEVEN GOLDSTEIN3 | 6255 VENTURA CANYON VALLEY GLEN, CA 91401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.76% |
| MARGARET B. VAIL3 Filed as: MARGARET B. VAIL AND OTHER AGENTS | 320 NORTH HALSTEAD PASADENA, CA 91107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.57% |
| MICHAEL R. FISHER3 | 1540 SOUTH FAIRFAX AVENUE LOS ANGELES, CA 90019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.38% |
| TODD V MASON3 Filed as: TODD V. MASON | 110 PINE AVENUE, SUITE 3710 LONG BEACH, CA 90802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.29% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 124 | $1.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 231 | $125K |
| Vision | GERBER | 143 | $15K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 152 | $76K |
| Short-term disability | AFLAC | 59 | $54K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 124 | $1.4M |
| Other(3 contracts, 3 carriers) | AFLAC | 152 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.